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| | | | | | | | | The House of Fraser MasterCard is the only credit card that accumulates Recognition points whenever you use it, and gives you Reward Vouchers in return, to treat yourself in our stores. Here’s how it works… | |  | - Typical 19.9% APR variable
- 0% p.a. on balance transfers for 9 months (2.99% fee applies. Minimum credit limit £500. Mimimum monthly payments are 4% of the outstanding balance or £4, whichever is greater)**
- it’s a reward card and a credit card in one
- it’s accepted in all UK House of Fraser stores and 24 million other outlets worldwide
- earn Recognition points everywhere you spend using the card
- earn enough points and we’ll send you Reward Vouchers to spend in UK House of Fraser stores
- receive invitations to exclusive cardholder events and offers
- spread the cost of repayments, making it easier to budget for your purchases
| | | | | | | | | | | It won’t take long to collect enough Recognition points to receive a Reward Voucher. The fastest way to accumulate points is to use your card to pay for your everyday purchases like petrol, groceries, evenings out or online purchases – as well as the things you like to buy at House of Fraser. | | | | | For every £1 you spend on your card in House of Fraser, in store or online | 3 Recognition points | | For every £1 you spend on your card outside House of Fraser | 1 Recognition point | | Number of points you need to receive a Reward Voucher | 2000 Recognition points for a £20 Reward Voucher plus a £10 Reward Voucher for every additional 1000 points | | Recognition points cannot be earned in selected departments or for the purchase of gift vouchers and financial services. | | | | | | | | | | Applying for the House of Fraser MasterCard is quick and easy. You can apply online and receive a decision in less than a minute. Apply now. | | | | | | | | Summary Box The information contained in this table summarises the key product features of your House of Fraser card and is not intended to replace any terms and conditions. | | APR | • Typical 19.9% APR variable • Rates from 19.9% APR to 24.9% APR depending on individual circumstances | | Other interest rates | Introductory Rate* | Monthly Rate | Annual Rate | | Retail Purchases | N/A | From 1.524% p.m. to 1.870% p.m | From 18.287% p.a. to 22.442% p.a. | | Cash Transactions2 | N/A | From 2.104% p.m. to 2.130% p.m | From 25.249% p.a. to 25.555% p.a. | | Balance Transfers2 | 0% p.a. interest for 9 months1 | From 1.524% p.m. to 1.870% p.m. | From 18.287% p.a. to 22.442% p.a. | | Interest Free Period | • Interest free period on Retail Purchases applies to the introductory rate period (if any). Otherwise, maximum 56 days on Retail Purchases if you pay your balance in full and on time.
• Interest free period on Balance Transfers only applies to the introductory rate period (if any). Otherwise, there is no interest free period on Balance Transfers or Cash Transactions. | | Interest Charging Information | You will not pay interest on new purchases if you pay your balance in full and on time Otherwise, the period over which interest is charged will be as follows: | | From | Until | | Retail Purchases | Date added to Account | Repaid in full | | Cash Transactions | Date added to Account | Repaid in full | | Balance Transfers | Date added to Account | Repaid in full | |
| Allocation of Payments | If you do not pay off your balance in full, payments we receive will be applied in the following order:
1. Insurance Premiums;
2. Interest, Charges or Fees (other than foreign currency)(in that order)
3. Balance Transfers (those with lower rates being paid first)
4. Retail Purchases (in the order they were added to your account
5. Cash Transactions (those with lower rates being paid first)
6. Buy Now Pay Later Transactions (in the order they were added to your Account)
Foreign currency fees will be repaid in the same order set out above as the Transaction to which they relate. See the 'Other Financial Information' section of the Credit Agreement' for full details | | Minimum repayment | • The full balance outstanding if it is less than £4, otherwise 4% (minimum £4.00) of the outstanding balance.
• If you only make the minimum payment it will take longer and cost more to clear your balance. | | Amount of Credit | Minimum credit limit | £500 | | Maximum credit limit | Subject to Status | | Fees | • No annual fee
| | Charges | Introductory Rate Balance Transfers | 2.99% | | Special Transaction Balance Transfers – we will tell you the amount of the fee when offering these to you | | | Cash Transactions | 3% (minimum £3.00) | | Paper copies of statements | £3.00 | | Overseas Transactions (including Cash Transactions) | 2.75% | | For further details, please refer to your Credit Agreement Additional Conditions | | Default Charges | Late payment fee | £12.00 | | Administration fee for returned cheques or direct debits | £12.00 | | Over limit fee | £12.00 | | Trace fee | £25 (applied if you do not inform us of a change of address and we have to trace you) | | Credit Balance Fee | Up to £10 (applied if you have a credit balance on your Account for three consecutive months) | | | | | | ¹Applies to Balance Transfers made within 6 weeks of signing your Agreement
²Where permitted on the account
* To benefit from the 0% rate you must make your required monthly payments on time and not exceed your Credit Limit. If you fail to do so, we may charge the standard Retail Purchases rate instead of the introductory rate.
| | | | | | | | | | | | In the unlikely event that you are not totally satisfied with your House of Fraser card, please call House of Fraser Card Services on 0871 522 5827 (calls may be recorded and monitored for quality and security purposes. Calls cost 10p per minute plus network extras.) and take advantage of our No Quibble Guarantee. If you contact us within 60 days of opening your account and then pay off your outstanding balance within 30 days, we will close your account for you and waive the interest charges and fees (we may require notification in writing). This guarantee is in addition to and does not affect any statutory rights that you may have. | | **To benefit from the 0% rate you must make your payments on time and not exceed your credit limit. If you fail to do so we may charge the standard Retail Purchases rate instead of the introductory rate. At the end of the 0% rate period, if you haven’t paid off the transferred balance amount in full, interest will become payable on the remaining amount at your then current standard Retail Purchases rate. The rate of 0% p.a. for 9 months applies to Balance Transfers that you transfer to your House of Fraser MasterCard Credit Card within 6 weeks of signing your Credit Agreement. The Balance Transfer handling fee is 2.99%. Your monthly payments will be allocated to Balance Transfers with a 0% interest rate before other Balance Transfers, Retail Purchases and Cash Transactions which are charged at a higher rate. You cannot transfer balances from a card provided by Santander Cards UK Limited or Santander Consumer Credit Services Limited. Only UK credit balances may be transferred and all transfers are subject to our approval. You can transfer any amount from £100 up to your available credit limit (less £100 and the amount of your handling fee). All or part of the balances(s) requested will be transferred subject to your available credit limit. A Balance Transfer can take up to 15 days to be completed. You should continue making monthly repayments to your existing card providers, until the transfer shows on your account with them. After a Balance Transfer has been processed, you cannot cancel it and the Balance Transfer fee cannot be refunded to you. The handling fee will be shown on your monthly statement following the transfer. The Balance Transfers will not be processed until after you have activated the Card. We reserve the right to withdraw these offers at any time. | | | | | | | |
